This Ride Insurance & Liability Policy ("Policy") outlines the insurance coverage provided by M & A Ride Sharing LLP, operating under the brand name UkDrive ("Company," "we," "our," "us"), for Passengers and Drivers using the UkDrive platform.
1. Scope of Coverage
UkDrive may provide limited insurance coverage for rides booked via the App. Coverage may include:
- Accidental Death Benefit – Compensation to legal heirs in case of death caused by a road accident during the ride.
- Permanent Disability Benefit – Compensation for permanent physical disability caused by an accident.
- Medical Expense Reimbursement – Limited reimbursement of medical expenses due to an accident.
Coverage is subject to:
- The ride being booked through the UkDrive App.
- The accident occurring during an active ride period (from driver start to ride completion).
- Insurance being available in the relevant city/region (based on Company tie-ups with insurers).
2. Exclusions
Insurance will not cover:
- Self-inflicted injuries or suicide.
- Drunk driving or driving under influence of drugs.
- Illegal or criminal activities during the ride.
- Carrying hazardous or prohibited substances.
- Loss of personal belongings (phones, wallets, luggage, etc.).
- Pre-existing medical conditions.
3. Passenger Responsibilities
- Verify driver and vehicle details before boarding.
- Use seatbelts at all times.
- Report accidents immediately via the UkDrive App SOS feature or customer support.
4. Driver Responsibilities
- Maintain valid documents (License, RC, Insurance, Permit).
- Keep the vehicle roadworthy and insured as required under the Motor Vehicles Act, 1988.
- Follow traffic rules and avoid reckless driving.
5. Claim Process
- Report the incident to UkDrive via the App or by contacting support@ukdrive.in within 24 hours.
- Provide necessary documents, including:
- Ride booking details.
- Police FIR/Accident Report (if applicable).
- Medical certificates or hospital bills.
- UkDrive will forward the claim to the partnered insurance provider.
- Claim settlement will be subject to insurance company approval and applicable laws.
6. Company Liability
- UkDrive acts only as a facilitator between the User and the insurance provider.
- The Company does not guarantee insurance claim approval or settlement.
- UkDrive's liability is limited to facilitating the claim process; responsibility for payment lies with the insurer.
7. Governing Law
This Policy is governed by the laws of India, including the Insurance Act, 1938 and the Motor Vehicles Act, 1988.
Any disputes shall be subject to the jurisdiction of courts in Kotdwara, Uttarakhand.